Mold, Insurance And Removal Costs In Wisconsin
Wisconsin has 72 counties and 776 ZIP code neighborhoods on this guide. At the statewide price level a typical professional mold job runs about $1,400 to $5,650 before rebuild.
1975Median year homes were built
58%Homes built before 1980
32%Homes rented, not owned
$247,400Median home value
2,750,750Housing units
5,892,023People
Half the homes in Wisconsin were built before 1975, and 58 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out.
The counties with the oldest housing are Milwaukee County (1956), Manitowoc County (1963), Lafayette County (1964), Racine County (1968), Sheboygan County (1969).
FEMA rates inland flooding high in 2 of 72 Wisconsin counties. Source FEMA National Risk Index, December 2025.
Wisconsin Rules On Mold
Wisconsin Mold And Insurance Rules
- Wisconsin expects home insurers to cover mold damage from a covered cause of loss like any other damage from that cause. OCI Bulletin June 21 2002, Mold Coverage
- Wisconsin allows a mold limit if property coverage is at least $10,000. OCI Bulletin June 21 2002, Mold Coverage
- A Wisconsin insurer cannot deny a covered claim just because mold is on the damaged property. OCI Bulletin December 19 2002, Updated Guidance on Mold
- If a Wisconsin landlord will not fix a confirmed mold or moisture problem, tenants can complain to DATCP. Tenant Landlord Issues Involving Mold, Wisconsin DHS
Every Wisconsin County
| County | ZIP Codes | Median Year Built | Typical Job Up To | Inland Flood Risk |
|---|---|---|---|---|
| Adams County | 6 | 1983 | $5,350 | Relatively Low |
| Ashland County | 9 | 1972 | $5,350 | Very Low |
| Barron County | 11 | 1976 | $5,350 | Relatively Low |
| Bayfield County | 10 | 1981 | $5,350 | Very Low |
| Brown County | 13 | 1980 | $5,600 | Relatively Moderate |
| Buffalo County | 5 | 1970 | $5,350 | Very Low |
| Burnett County | 6 | 1983 | $5,350 | Relatively Low |
| Calumet County | 10 | 1986 | $5,550 | Very Low |
| Chippewa County | 9 | 1978 | $5,550 | Relatively Low |
| Clark County | 14 | 1971 | $5,350 | Relatively Low |
| Columbia County | 13 | 1976 | $5,850 | Relatively Moderate |
| Crawford County | 9 | 1977 | $5,350 | Relatively Low |
| Dane County | 34 | 1985 | $5,850 | Relatively High |
| Dodge County | 20 | 1970 | $5,350 | Relatively Low |
| Door County | 10 | 1982 | $5,350 | Relatively Low |
| Douglas County | 10 | 1970 | $5,350 | Relatively Low |
| Dunn County | 9 | 1982 | $5,350 | Relatively Low |
| Eau Claire County | 7 | 1977 | $5,550 | Relatively Moderate |
| Florence County | 2 | 1979 | $5,350 | Very Low |
| Fond du Lac County | 15 | 1971 | $5,500 | Relatively Moderate |
| Forest County | 7 | 1980 | $5,350 | Very Low |
| Grant County | 21 | 1973 | $5,350 | Relatively Low |
| Green County | 7 | 1971 | $5,850 | Relatively Low |
| Green Lake County | 6 | 1971 | $5,350 | Relatively Low |
| Iowa County | 11 | 1975 | $5,850 | Very Low |
| Iron County | 7 | 1973 | $5,350 | Very Low |
| Jackson County | 7 | 1978 | $5,350 | Relatively Low |
| Jefferson County | 10 | 1974 | $5,350 | Relatively Moderate |
| Juneau County | 9 | 1980 | $5,350 | Relatively Low |
| Kenosha County | 11 | 1975 | $6,050 | Relatively Moderate |
| Kewaunee County | 4 | 1970 | $5,600 | Very Low |
| La Crosse County | 9 | 1978 | $5,500 | Relatively Moderate |
| Lafayette County | 9 | 1964 | $5,350 | Very Low |
| Langlade County | 9 | 1972 | $5,350 | Relatively Low |
| Lincoln County | 4 | 1975 | $5,350 | Relatively Low |
| Manitowoc County | 14 | 1963 | $5,350 | Relatively Low |
| Marathon County | 16 | 1977 | $5,550 | Relatively Moderate |
| Marinette County | 12 | 1975 | $5,350 | Relatively Low |
| Marquette County | 7 | 1977 | $5,350 | Relatively Low |
| Menominee County | 2 | 1986 | $5,350 | Very Low |
| Milwaukee County | 35 | 1956 | $5,800 | Relatively High |
| Monroe County | 7 | 1980 | $5,350 | Relatively Moderate |
| Oconto County | 12 | 1981 | $5,600 | Relatively Low |
| Oneida County | 8 | 1981 | $5,350 | Relatively Low |
| Outagamie County | 15 | 1979 | $5,550 | Relatively Moderate |
| Ozaukee County | 8 | 1977 | $5,800 | Relatively Low |
| Pepin County | 4 | 1970 | $5,350 | Very Low |
| Pierce County | 10 | 1980 | $6,300 | Relatively Low |
| Polk County | 14 | 1980 | $5,350 | Relatively Low |
| Portage County | 11 | 1979 | $5,350 | Relatively Low |
| Price County | 8 | 1975 | $5,350 | Relatively Low |
| Racine County | 13 | 1968 | $5,750 | Relatively Moderate |
| Richland County | 7 | 1970 | $5,350 | Relatively Low |
| Rock County | 13 | 1970 | $5,600 | Relatively Moderate |
| Rusk County | 7 | 1976 | $5,350 | Relatively Low |
| Sauk County | 13 | 1982 | $5,350 | Relatively Moderate |
| Sawyer County | 7 | 1985 | $5,350 | Relatively Low |
| Shawano County | 15 | 1975 | $5,350 | Relatively Low |
| Sheboygan County | 14 | 1969 | $5,650 | Relatively Low |
| St. Croix County | 11 | 1993 | $6,300 | Relatively Low |
| Taylor County | 7 | 1977 | $5,350 | Relatively Low |
| Trempealeau County | 11 | 1976 | $5,350 | Relatively Low |
| Vernon County | 10 | 1974 | $5,500 | Relatively Low |
| Vilas County | 12 | 1980 | $5,350 | Relatively Low |
| Walworth County | 13 | 1977 | $5,350 | Relatively Moderate |
| Washburn County | 7 | 1982 | $5,350 | Very Low |
| Washington County | 11 | 1984 | $5,800 | Relatively Low |
| Waukesha County | 26 | 1981 | $5,800 | Relatively Moderate |
| Waupaca County | 11 | 1975 | $5,350 | Relatively Low |
| Waushara County | 10 | 1977 | $5,350 | Relatively Low |
| Winnebago County | 10 | 1975 | $5,600 | Relatively Moderate |
| Wood County | 12 | 1973 | $5,350 | Relatively Moderate |
Largest Cities
- Milwaukee
- Madison
- Green Bay
- Kenosha
- Racine
- Appleton
- Waukesha
- Oshkosh
- West Allis
- La Crosse
- Sheboygan
- Wauwatosa
- Fond du Lac
- Brookfield
- New Berlin
- Menomonee Falls
- Greenfield
- Oak Creek
- Franklin
- Fitchburg
- Mount Pleasant
- Caledonia
- Mequon
- Muskego
- Pleasant Prairie
- Germantown
- South Milwaukee
- Cudahy
- Ashwaubenon
- Pewaukee
- Weston
- Greendale
- Salem Lakes
- Allouez
- Harrison
- Suamico
- Little Chute
- Richfield